Score Watch=No Alerts Email

Score Watch=No Alerts Email

Got my email that said they've monitored all week and there has been no changes...ya know accept for the card that I was added as an AU and is showing on Equifax Complete and Experian. Yeah, no change. hmph

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Re: Score Watch=No Alerts Email

Yeah, it's rather annoying! I don't know if its worth paying for, really. Why pay to get an email saying no changes when i know good and well there are. May be FAKO's on the other sites, but at least they also show the account being added.!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Re: Score Watch=No Alerts Email

S7 wrote:

Got my email that said they've monitored all week and there has been no changes...ya know accept for the card that I was added as an AU and is showing on Equifax Complete and Experian. Yeah, no change. hmph

I might be wrong, but I don't think you'd receive an alert for added AU accounts. I think SW monitors the "open dates" only and it monitors that date between when the report was last monitored and the latest monitoring date (e.g. week to week, report to week). So, if that open date is outside that time frame it is monitored (the week), then no alert. Now you could get a score alert provided that the new score surpassed or hit your target score. However, adding an AU can easily increase, drop, or keep your scores the same.

....helps your mix, assuming you only have one or two CCs now, then there's a potential for an increase.

....reports a balance, then there's a potential for a decrease (due to adding one more TL w/ a balance).

....has any late or derog comment showing, then there's a potential for a decrease.

....was recently opened (inside a year), then there's a potential for a decrease.

....has a dispute comment showing then there's a potential for a score change once that comment clears.

....and others.

Combine the above together and oyu can have a mixed bag where a score change, if any at all, is concerned. And that's assuming it's reporting to EQ at this point. Add 7 days to the exact day it reported to EQ and that starts the clock for any potential increase, decrease, or possibly zero score change at all. Your score is monitored weekly and if your target score is correctly set, then you'll get alerted within a week of that first reporting assuming your score changed and hit that target.

Re: Score Watch=No Alerts Email

Okie doke.

It was opened in 2003, made it my oldest account, of 9.2years,and the average of 7.6yrs.

Before the adding of it, my only kind of credit on my report was an auto loan that is current,and for some reason only showing up on EQ and TU, but the CC is on all 3 CRA and this CC is only at 3% Util. With a CL of $12,000. It also has a perfect payment history.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Re: Score Watch=No Alerts Email

S7 wrote:

Okie doke.

It was opened in 2003, made it my oldest account, of 9.2years,and the average of 7.6yrs.

Before the adding of it, my only kind of credit on my report was an auto loan that is current,and for some reason only showing up on EQ and TU, but the CC is on all 3 CRA and this CC is only at 3% Util. With a CL of $12,000. It also has a perfect payment history.

I think it would help as your oldest TL, and oldest revolving. Depends how recent your second oldest is for each.

Your mix is greatly improved and bonus points for that.

The added balance doesn't help, but I think you'd see a net improvement by quite a few points.

Re: Score Watch=No Alerts Email

And on EX, it shows the CC as the only tradeline, the autoloan isn't on it. (the autoloan was opened in May, a balance of $10,762, and never late).

The balance on the CC is $389, and like I said, EX has that as the only tradeline that I have.

Now, on EQ and TU, I had an autoloan opened in 3/12,but had 2 major problems with the vehicle and the dealership got us out of it and into another vehicle, and the lender paid off the first loan and it shows as a $0 balance, and opened us the 2nd loan in 5/12, which has the above mentioned balance, and again, EX doesn't show either of them. Not sure if I should contac the lender to ask if they will report the auto to EX, if it would help or hurt??

Thank you for your advice, by the way!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.